In my 29 years as a health insurance broker, I have viewed, and subsequently recommended many health insurance plans. Each situation is different and, obviously, affordability issues play a big part in the decision-making process.
However, there are many available health insurance plans that are quite affordable, compared to other options. For this example, I am basing the rates on a healthy nonsmoking 35-year old male living in the Columbus area. Premiums provided are monthly…
$42 Aetna Preventive and Hospital Care 3000 ($3000 Ded.)
$47 Anthem Blue Access Value ($5000 Ded.)
$52 Anthem Lumenos HSA ($5000 Ded.)
$55 Anthem Blue Access Value ($3000 Ded.)
$63 Anthem Blue Access Value ($2000 Ded.)
$65 Aetna PPO 5000 ($5000 Ded.)
$77 Medical Mutual Standard 2500 ($2500 Ded.)
All of these policies offer some level of office visit coverage without having to meet a deducible. Naturally, pre-existing conditions may increase the rate.
UPDATE October 2011 – I deleted an Aetna and Anthem plan since they are no longer offered. Also…under national health care reform, preventive benefits are now covered at 100% on most plans. And of course, the rates that you see in this blog post are a few years old so rates have increased. Not too much, though. You can still click on the “Get Instant Quote” button and you”ll view current rates and plans.
UPDATE: November 2014 – Incredibly, this article was written 6 1/2 years ago. Our kids were in junior high school (they both go to Ohio State now), and the price of gas? Actually, it probably was about what it is now.
But all of the policies mentioned in this article are gone. It’s possible that a few may still be in-force if they are “grandfathered,” but most have been replaced by new Exchange policies. All policies are now much more regulated federally, instead of by each state. Coverage is much better now, but if you don’t qualify for federal financial aid (in the form of a subsidy), your premium won’t be cheap.